XFS and J/XFS are financial services extensions that aim to provide a client-server architecture for banking applications. This includes especially devices such as EFTPOS (Electronic Funds Transfer at Point of Sale) terminals and ATMs. Financial institutions are particularly concerned about being able to select the programs that control their equipment in a context where their software base is increasingly standardized. XFS and J/XFS provide APIs for accessing and manipulating a variety of financial services devices from different manufacturers.